Expect more sophisticated scams in 2026

Scams are becoming increasingly convincing, fueled by AI, emotional manipulation, and a sense of false urgency. Criminals impersonate trusted people and organizations to steal money, personal information, or account access. Knowing how these scams work is one of the best ways to protect your finances, identity, and peace of mind.

Common scams to watch for

1. Impersonation Scams
   AI has made it harder to detect fake emails, voice clones, and even deepfake videos. Scammers may pose as your bank, a business, or a family member to pressure you into acting quickly.
   

Their goal: Access to your money or accounts.

Stay safe:

• Verify before you trust. Hang up and contact the organization using an official phone number.
• Never share personal or financial information in response to an unexpected call, text, or email.

1. Romance Scams
   These scams continue to grow, with seniors frequently targeted. Scammers build online relationships using fake identities, then request money, gift cards, or "emergency" help. A recent Roseville case resulted in a $1 million loss.
   

Their goal: Gain your trust to get you to send money.

Stay safe:

• Be cautious with online-only relationships.
• Never send money or gifts to someone you haven't met in person.
• Talk to a trusted friend or family member before sending funds.

1. Fake "Fraud Alert" Calls or Texts
   Scammers pretend to be from your bank, warning you of suspicious activity. They pressure you to "verify" information or move money to a so-called "safe account."

Their goal:Gain access to your account or trick you into moving money directly to them.

Legitimate companies will never:

• Ask for your online banking password or full debit card PIN.
• Request one-time passcodes sent to your device.
• Tell you to move money "for protection."
• Threaten to close your account if you don't act immediately.

Stay safe:

• Never share personal or financial information with an unexpected caller, texter, or email sender.
• Contact your financial institution using the phone number on your bank statement or debit/credit card.

1. Online Marketplace Scams
   Fake listings and deposit scams are common on platforms like Facebook Marketplace. Scammers push urgency and request untraceable payments.
   

Their goal: Steal your money.

Stay safe:

• Verify listings and messages before paying.
• Use secure payment methods with buyer protection. Avoid gift cards and wire transfers.

Final Tips for 2026

• Stay informed-scam tactics evolve quickly.
• If something sounds too good to be true, it's probably a scam.
• Guard your personal information and limit what you share online.